That's $10,500 on a $300K home. Flexible credit requirements. Built for first-time buyers who are ready to own.
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Two lenders turned me down and I was starting to think buying just wasn't going to happen. Score was a 658. Bedrock Mortgage said FHA was the right move and walked me through everything, 3.5% down on a $275k place in Fort Lauderdale. Pre-approval came back in under two days. I knew PMI was part of the deal and I was fine with that. Just happy to be a homeowner.
Alicia R.Took me about 18 months to save what I needed. Once I had it Bedrock Mortgage moved really fast. FHA, 3.5% down on a $320k condo. My mortgage is basically what my old rent was but now I own it. The quick close actually helped us beat out two other offers on the place. Really glad I didn't wait any longer.
Daniel & Sofia P.FHA loans exist specifically for buyers who don't have a 20% down payment or a perfect credit score. That's most people. We've helped thousands of them close.
That's $10,500 on a $300K home. Keep more cash for moving, furniture, and reserves.
More forgiving than conventional loans. Recent credit issues or a thin file? FHA is designed for you.
Family can gift your entire down payment. We handle all the documentation, no delays.
Negotiate closing costs into the deal. Save thousands at the table without touching your own cash.
Takes about 10 minutes. We ask about your income, credit history, and the property you're looking to buy. No hard credit pull at this stage.
We review your file and issue a pre-approval letter showing your maximum loan amount. FHA guidelines are straightforward once someone actually walks you through them.
Shop knowing exactly what you can spend. Your pre-approval letter gives sellers and listing agents confidence that your financing is real and you can close.
We fund from our own capital, so there's no waiting on a third-party bank to approve the wire. Average time from application to funded is 21 days.
You can qualify with a credit score as low as 580 for the 3.5% down payment option. If your score is between 500-579, you'll need 10% down. FHA is much more flexible than conventional loans which typically require 620 minimum.
Yes. FHA loans allow gift funds from family members for your entire down payment and closing costs. No limits on gift amounts. We'll guide you through the documentation.
FHA requires an upfront premium of 1.75% (rolled into your loan) and an annual premium of 0.55–0.85% paid monthly. Unlike conventional PMI, FHA insurance stays for the life of the loan if you put down less than 10%.
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Response within one business day
→Takes about 10 minutes. No documents required upfront.
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